How to apply for a Service User Number

If you want to start collecting Direct Debit payments, your business bank accounts need to be set up to allow recurring Direct Debit. Our step by step guide will help you get started.

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How to apply for a Service User Number

The Service User Number is a unique reference obtained by your sponsor bank OR third party, such as SmartDebit, which will allow you to collect recurring payments by Direct Debit.

Having your own Service User Number means you have complete control over the amounts you collect and the frequency with which collections take place. You’ll also benefit from the collected funds being received immediately, as the collections are made to and from your own account rather than via a third party which means you have greater control of your cash flow.

How do I qualify for a Service User Number?

Each bank has its own application process and will advise you of the steps you should take in order to become a Service User.

As a rule, the following points are usually considered when deciding if a business is deemed suitable to obtain their own Service User Number:

Minimum turnover of £1 to 5 million

Five years or over in business

A UK bank account

Strong financial record keeping

Legal and regulatory compliance

Excellent Credit Rating

How do I apply for a Service User Number?

The first thing to do is to contact your bank

The bank will assess your viability for a Service User Number

If approved, you will need to complete a series of documentation

If unsuccessful, you will need to speak to a Bacs Accredited bureau such as SmartDebit

What documentation will I need to complete if I’m eligible for a Service User Number?

If the bank confirms you are in a position to obtain your own Service User Number, you will need to complete the following documentation:

Indirect Submitters Form
AUDDIS Application Form
Paperless Direct Debit Form
Standard/Paperless Indemnity Form

If you choose to partner with SmartDebit, we will assist you with all steps relating to your application, rather than leave you on your own as some other suppliers do. Our expert team have helped thousands of customers to obtain their own Service User Numbers and with the completion of these forms. We will help you to provide all documentation requested by the bank and complete all mandatory testing as part of the set-up process.

I’ve got a Service User Number. Now what?

Brilliant, you’re one step closer to the benefits of Direct Debit. Now that you’ve successfully obtained your Service User Number, you have some important decisions to make!

You will need custom software to send and process the Bacs files. Direct Debit payments need to be reconciled, and a trained team of staff is needed to interpret reports and run the necessary internal processes.

The simplest solution for your organisation could be to work with an expert third-party provider, such as SmartDebit, who can take away all the hassle with a Bureau service, equipping you with time-saving automation tools backed by industry-leading support.

How Do I Sign Up?

Fill out the short form below and a member of our expert team will be in touch. Alternatively, you can call us or live chat and we’ll explain everything you need to know – or email us and let us know when to call you.

Ready to start improving your cash flow?

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or call 01276 472200 to discuss your organisation’s requirements.

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